1
Profile
2
Income & Expenses
3
Assets
4
Liabilities
5
Insurance
6
Tax
Tell us about yourself
This helps us personalize recommendations for your situation
Personal Information
Your current age in years
Where you currently reside
People financially dependent on you (kids, parents, spouse)
How comfortable are you with investment volatility? 1 = Very Conservative, 10 = Very Aggressive
5 - Moderate
How long before you need major funds (retirement, house, etc.)?
Income & Expenses
Track your monthly cash inflows and outflows
Tip: Include your post-tax income for a more accurate surplus calculation. This helps you understand your actual disposable income after taxes.
Financial Summary
Monthly Income
₹0
Monthly Expenses
₹0
Yearly Expenses
₹0
Monthly Surplus
₹0
Income
Monthly Expenses
Yearly Expenses
Add your regular income sources
No income sources added yet. Click "Add Income Source" to get started.
Add your regular monthly expenses
No monthly expenses added yet. Click "Add Monthly Expense" to get started.
Add one-time or annual expenses (insurance premiums, vacations, etc.)
No yearly expenses added yet. Click "Add Yearly Expense" to get started.
Your Assets
List all your investments and holdings with their purpose
Total Assets
₹0
By Liquidity
Liquid Assets
₹0
0%
Growth
₹0
0%
Stability + Protection
₹0
0%
Liquid Assets (Cash, Savings)
Growth (Stocks, Mutual Funds)
Stability + Protection (Real Estate, Gold)
By Time Horizon
0.0%
Short (0-2 years)
0.0%
Medium (2-7 years)
0.0%
Long (7+ years)
By Purpose
0.0%
Growth
0.0%
Stability
0.0%
Protection
No assets added yet. Click "Add Asset" to get started.
Your Liabilities
List all your loans and outstanding debts
Debt Overview
Total Debt
₹0
Monthly EMIs
₹0
EMI Burden
0.0%
This shows how much of your monthly income goes toward paying debts. Safe: < 30%, Warning: 30-45%, High Risk: > 45%
Debt-to-Income
0.0x
No liabilities? Great! Being debt-free is a strong position. Add any loans or debts if you have them.
No liabilities added yet. Click "Add Loan/Liability" to get started.
Risk & Insurance
Your safety net against life's uncertainties
Life Cover
₹0
Target: ₹0 (10-15x income)
Gap: ₹0
🛡️ Pro-Tip for Term Cover
"Treat this as a replacement for your income, not an investment." Choose a Pure Term Plan because it offers the highest coverage for the lowest premium. Unlike policies that return your money, a term plan ensures that if you aren't around, your family receives the full sum (ideally 10-15x your annual income) to maintain their lifestyle and pay off any debts.
Health Cover
₹0
Target: ₹0
Gap: ₹0
🏥 Pro-Tip for Health Insurance
"Don't just look at the base cover; look at the 'Restoration' and 'No Claim Bonus'." A base policy might feel sufficient, but medical inflation is high. Consider a Super Top-Up to increase your total cover cost-effectively. It's a smart way to get a ₹25L or ₹50L safety net without paying the high premiums of a large base policy.
Emergency Fund
0.0 months
Target: 6-12 months of expenses
Need: ₹0 more
💡 Pro-Tip
Think of this as your "Financial Seatbelt." Keep these funds in liquid options like a Savings Bank Account or Debt Mutual Funds so you can access them instantly during a crisis. The goal here is Protection, not high growth.
Life Insurance
₹
Total sum assured
₹
Yearly premium amount
Type of life insurance
Health Insurance
₹
Base policy sum insured
₹
Additional coverage
₹
Total health insurance
Vehicle Insurance
₹
If applicable
₹
IDV of vehicle
Emergency Fund
Auto-calculated: Liquid fund / Monthly expenses
₹
(Monthly expenses × 6) - Liquid fund
Based on your liquid assets of ₹0 and monthly essential expenses of ₹0, you have approximately 0.0 months of emergency coverage.
Your Financial Dashboard & Tax Optimization
India-specific tax planning & holistic wealth summary for FY 2025-26
Tax calculations are indicative. Consult a CA for accurate computation. Tax rates and limits are for FY 2025-26 and subject to change.
Tax Regime Comparison (FY 2025-26)
Which regime did you use last year?
Old Regime
New Regime
Not Sure
✓ Better for you
New Regime
₹11.7K
Standard deduction: ₹75,000
No exemptions/deductions
Old Regime
₹23.4K
Total deductions: ₹0
HRA, 80C, 80D, etc.
You could save approximately ₹11.7K by choosing the new regime.
Deductions Used (Old Regime)
Enter amounts claimed/planned. These help compare regimes.
₹
EPF, PPF, ELSS, life premium, etc. Max ₹1.5L
Gap: ₹0
₹
Health insurance premium for self & parents
₹
Additional NPS deduction (max ₹50,000)
₹
Section 24(b) - max ₹2L for self-occupied
₹
Used to calculate HRA exemption
₹
80E, 80G, 80TTA, etc.
Capital Gains Tax Harvesting
LTCG exemption: ₹1.25L. Use unrealized losses to offset gains.
₹
Short-term gains (held < 12 months)
₹
Long-term gains (held > 12 months)
₹
Paper profits not yet sold
₹
Paper losses - sell to offset gains
₹
Auto-calculated: ₹1.25L max
₹
Enter gains/losses above
Tax Harvesting Strategy: Book losses to offset gains and utilize ₹1.25L LTCG exemption.